LTV · monthly repayment
▼ 0.50% · 3.625%
HK$63,726
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,708
−HK$2,014/mo
Today · 4.125%
HK$67,722
baseline
▲ 0.50% · 4.625%
HK$71,843
+HK$4,121/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$135,444/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,895
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,796
−HK$1,929/mo
Today · 4.125%
HK$74,725
baseline
▲ 0.50% · 4.625%
HK$78,664
+HK$3,939/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$149,450/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,471
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$78,850
−HK$2,417/mo
Today · 4.125%
HK$81,267
baseline
▲ 0.50% · 4.625%
HK$86,212
+HK$4,945/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$162,534/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,187,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,074
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,355
−HK$2,315/mo
Today · 4.125%
HK$89,670
baseline
▲ 0.50% · 4.625%
HK$94,396
+HK$4,726/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$179,340/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,187,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,217
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$91,992
−HK$2,819/mo
Today · 4.125%
HK$94,811
baseline
▲ 0.50% · 4.625%
HK$100,580
+HK$5,769/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$189,622/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,252
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,914
−HK$2,701/mo
Today · 4.125%
HK$104,615
baseline
▲ 0.50% · 4.625%
HK$110,129
+HK$5,514/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$209,230/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,707
−HK$7,193/mo
▼ 0.25% · 3.875%
HK$118,275
−HK$3,625/mo
Today · 4.125%
HK$121,900
baseline
▲ 0.50% · 4.625%
HK$129,317
+HK$7,417/mo
Deposit HK$2.79M · loan HK$25.15M · min. income ≈ HK$243,800/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,610
−HK$6,895/mo
▼ 0.25% · 3.875%
HK$131,033
−HK$3,472/mo
Today · 4.125%
HK$134,505
baseline
▲ 0.50% · 4.625%
HK$141,595
+HK$7,090/mo
Deposit HK$2.79M · loan HK$25.15M · min. income ≈ HK$269,010/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,743 · Scale 2, in force from 26 Feb 2026)